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re: NOLA Fiber Optics - Oenophile Brah on 7/28/17 at 9:13 am
[quote]What kind of speeds are you getting? Cable would be plenty if it works well. I mainly want good speeds for voip. [/quote] I did a speed test last night and got 89 down and 15 up. Like I said originally, no issue surfing web on laptop and streaming HD video on tv. If you think you nee...
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re: Mortage- Refinance vs Additional Principal Payments - Oenophile Brah on 7/25/17 at 3:22 pm
I think the first response nailed it for someone in your situation. I would downshift from your intense mortgage payoff and look to expand your asset portfolio. If you're considering renting this house during your next purchase, you are going to need some cash for your next down payment. You can ...Jump to Post - View Topic - Replies (1)
re: Why don't more wives demand their own retirment account? - Oenophile Brah on 7/21/17 at 1:22 pm
Are you talking about a tax cut targeted to high income workers? Guess you don't watch the news much??? Divorce rulings essentially split the assets so what's the point? ...Jump to Post - View Topic - Replies (1)
re: Buying house from for Sale by owner - Oenophile Brah on 7/14/17 at 3:00 pm
Purchasing a home is no different with an agent or w/o an agent. If your comps look good and don't have any issues with your appraisal you should be fine. Home agency is unnecessary once terms are agreed upon. ...Jump to Post - View Topic - Replies (0)
re: Nashville - Recommendations? - Oenophile Brah on 7/11/17 at 2:32 pm
Patterson House for cocktails, Pinewood social is a cool spot for a drink or just killing a few hours. It has a bowling alley that is small but fun. Urban Cowboy has some interesting drinks and a patio with a solid vibe. Tons of great breweries if you're into beer. Might want to check with the F...
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re: Landlord Question - Can I tell my tenants to turn up the thermostat? (Update Page 2) - Oenophile Brah on 7/7/17 at 3:13 pm
I have an old New Orleans rental that is poorly insulated. In the summer, the a/c units were constantly freezing up trying to keep up. After receiving several estimates on a new system, I ended up going with window units. My problem was a single story duplex, each with a limited amount of living ...Jump to Post - View Topic - Replies (0)
re: Financial Advisor Advice - Oenophile Brah on 7/5/17 at 6:25 pm
[quote]Could you explain more?[/quote] Roth accounts have an income cap of $185k for married couples. The loophole for earners over $185k is to contribute the $5,500x2 to a tIRA than convert the tIRA to a roth IRA. One caveat to this maneuver is the existence of another IRA. This pro-rata rule w...Jump to Post - View Topic - Replies (0)
re: Financial Advisor Advice - Oenophile Brah on 7/5/17 at 2:39 pm
It seems clear this "advisor" is not to be trusted. I did want to touch on something that has been mentioned but not dissected. [quote]he recommends rolling my old 401k ($60k) into an IRA that he/NW mutual would manage for a 4.5% intro fee plus 0.5% per year[/quote] You obviously don't want t...Jump to Post - View Topic - Replies (2)
re: Real Estate Escrow/Mortgage vs Paid Off - Oenophile Brah on 6/2/17 at 9:44 am
[quote]I can't sell the paid off property yet[/quote] Why not? Inherited? What is your plan for the paid off house if you do pull money out of it? You have a plan for the money, but what about the house with a new mortgage? rent it? Why not sell the house and invest the money interest...Jump to Post - View Topic - Replies (0)
re: Lula on St Charles Ave. - Oenophile Brah on 5/17/17 at 1:57 pm
[quote]Has anyone been in the last few weeks? I've really been wanting to check it out but this thread's mixed reviews has me second guessing. [/quote] It's in my neighborhood so I've been a few times, mostly for lunch. I find the lunch menu easier to manage, but both menus are pretty limited. I...
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re: How did you buy your first RE - Oenophile Brah on 5/7/17 at 11:04 am
I started out in real estate by buying a double. I wanted to lower my initial living costs while setting myself up for longer term cash flow. After 3+ years living in one side I'm finally moving on to my next property. This will be my first time renting out both sides and I'm excited to experienc...Jump to Post - View Topic - Replies (1)
re: Expensive New Car - Oenophile Brah on 4/15/17 at 6:35 am
[quote]Porsche Macan or Cayenne. [/quote] Those are nice options. Anyone have an opinion on the Audi Q7? A coworker has a 2015 and may be looking to sell it already. If we end up going with a new vehicle, is leasing worth considering?...Jump to Post - View Topic - Replies (2)
re: Expensive New Car - Oenophile Brah on 4/14/17 at 4:02 pm
Slight hijack. My fiancé is looking to purchase her first high end vehicle. I'm pushing for an SUV, we live in nola and children are in the near/midterm future. We're in a stable financial situation with high combined income. I recently purchased a little Toyota suv for myself as I don't c...Jump to Post - View Topic - Replies (4)
re: Buy/Rent analysis - I want to pick the Money Board's collective wisdom - Oenophile Brah on 4/1/17 at 10:29 am
[quote]Even renting at $1700 over an $1100 mortgage for 24 months is a delta of $14,400[/quote] Even with a 5-1 ARM, your note would likely be over $1100/mo. Are you looking at a 30yr amortization? If so, you won't be building any equity in 18-24 months. I would see what a 15 or 20 year amortiza...Jump to Post - View Topic - Replies (1)
re: Starting New Family Soon - Critique Financial Strategy - Oenophile Brah on 3/30/17 at 10:39 pm
This is a good process to go through at your stage in life. I would say, capturing the company match on 401k would supersede the Roth max. As you mentioned, you may wish to forgo additional 401k contributions and focus on short-term goal specific saving/investing. First house purchase, cars, chil...Jump to Post - View Topic - Replies (1)
re: Credit Card Rewards and Points Discussion - Oenophile Brah on 3/26/17 at 11:00 am
Does anyone have an opinion on the Chase Sapphire Reserve card? It offers 3x rewards on travel and dining. Those are two of our primary spending categories. The annual fee is substantial $450, but you get $300/yr annual travel credit. We travel several times a year, so we should always take adva...Jump to Post - View Topic - Replies (4)
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